The Ultimate Guide to Credit Cards
Tuesday, June 28, 2022

19 Best Cards to Earn a $200 to $500+ Credit Card Bonus

500 Credit Card Bonus

credit card advice

Brittney Mayer

Written by: Brittney Mayer

Brittney Mayer

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

See full bio »
Advertiser Disclosure

Not so long ago, opening a new bank account or credit card came with a small kitchen appliance. These days, new credit cards generally won’t net you a toaster — but they do often come with the chance to earn a big signup bonus.

We’ve put together a list of some of the biggest and best bonuses around. While some signup bonuses come in the form of a lump-sum cash reward, a number of high-value bonuses come in the form of rewards points. In the article that follows, we’ll explore the best cards to earn a $200 to $500+ credit card bonus. With that kind of money, you can buy a toaster for every room.

Since points and miles can have variable values depending on the program, we’ll take a look at values for redemption for cash back and direct travel (through the issuer). We’ll also include some valuations from The Points Guy (TPG), which includes transfer partners in its calculations.

Signup Bonuses Worth: $750+ | $500+ | $200+

Best Credit Cards with $750+ Signup Bonuses

While cash may be king in some arenas, maximizing credit card rewards is rarely one of them. The cards with the highest-value signup bonuses won’t offer flat cash bonuses, but instead typically offer rewards points with variable per-point value.

In the vast majority of credit card rewards programs, the maximum per-point value is obtained through travel redemption, either via the issuer’s shopping portal or by transferring credit card rewards to a partner hotel or airline loyalty program.

Consumer | Business

Consumer Credit Cards with $750+ Signup Bonuses

As you might suspect, if you’re looking for a consumer credit card with a massive signup bonus, you’re going to be paying a fairly massive annual fee, too — about $450 to $550 worth of massive.

On the bright side, not only does the big signup bonus provide a way to make up for at least that first-year’s fee, but most of these top-tier rewards cards come with purchase rewards and cardholder benefits that can make the annual fee worthwhile.

  • New Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74% - 24.74% Variable
$550
Good/Excellent

Although it’s unlikely we’ll again see the six-figure bonus that the Chase Sapphire Reserve® came with at launch, the Ultimate Rewards® points new cardholders can earn are still extremely valuable.

In fact, those points can be worth even more when redeemed through Chase’s travel portal. The extra value is thanks to the 50% redemption bonus you get for being a Chase Sapphire Reserve® cardholder.

To really maximize your Ultimate Rewards®, you can transfer your points to one of Chase’s 10+ airline and hotel partners to reach — or even exceed — the TPG average value of 2.1¢ per point, potentially turning that bonus into $1,050 of travel.

The Platinum Card® Review

at the issuer'ssecure website

CATEGORY RATING
★★★★★
4.8
OVERALL RATING
  • Earn 100,000 Membership Rewards® points after you use your new card to make $6,000 in purchases in your first 6 months of Card Membership
  • Earn 5X Membership Rewards® points for flights booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases per calendar year. Also earn 5X Membership Rewards® points on prepaid hotels on AmexTravel.com. Earn 1X points on all other purchases.
  • $200 annual hotel credit, $200 annual airline fee credit, $25 monthly Equinox credit, $15 monthly Uber cash credit, $100 annual Saks Fifth Avenue credit, and more.
  • Platinum Card Members have unlimited complimentary access to all locations of The Global Lounge Collection, including 1,400 airport lounges across 650 cities.
  • Automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status. Enrollment required.
  • Choose among three card designs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 23.24% Pay Over Time
$695
Excellent

The signup bonus for The Platinum Card® changes fairly regularly. It rarely drops below 60,000 Membership Rewards® points, however, with targeted offers of 75,000 points often popping up, and bonuses of 100,000 points not uncommon.

Per-point value varies considerably depending on how you redeem your Membership Rewards®. Redeeming for a statement credit reportedly only provides 0.6¢ per point, while airfare options through Amex Travel can give you 1¢ per point.

By and large, the highest-value redemption option is to transfer your Membership Rewards® to a hotel or airline partner. Amex has ~20 different airline and hotel transfer partners, giving you a lot of room to find a valuable redemption.

Indeed, the TPG value for Membership Rewards® is 1.9¢ per point, which means you can turn a typical 60,000-point bonus into $1,140 worth of travel if you redeem wisely.

Since The Platinum Card® has been known to offer signup bonuses of up to 100,000 Membership Rewards® points, it may be worthwhile to wait for the larger bonus if possible. You can only earn one signup bonus per Amex credit card per lifetime.

Business Credit Cards with $750+ Signup Bonuses

Business credit cards regularly offer much larger signup bonuses than consumer credit cards, though they also come with appropriately large spending requirements.

You should expect to see spending requirements of at least $5,000 for the largest business credit card signup bonuses — though a requirement of up to $25,000 might be required for some top-tier cards.

BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.74% - 21.74% Variable
$95
Good/Excellent

The Ink Business Preferred® Credit Card earns the ever-popular Ultimate Rewards® points, which can be redeemed for travel through Chase’s portal or — the more valuable option — transferred to a partner airline or hotel loyalty program.

When redeemed as cash back, you get 1¢ per point, which would turn a 100,000-point bonus into a solid $1,000 statement credit. Redeeming for travel, however, provides much better value, as those points would be worth $1,200 in travel through Chase’s travel portal.

Of course, the best way to maximize the value of the ever-flexible Ultimate Rewards® points is to transfer them to an airline or hotel loyalty program, which can unlock the TPG value of 2.1¢ per point.

Business Platinum Card® from American Express Review

at the issuer'ssecure website

CATEGORY RATING
★★★★★
4.8
OVERALL RATING
  • Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of card membership
  • Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, 1.5X points on business categories and purchases of $5,000 or more on up to $2 million per calendar year, and 1X point for each dollar you spend on other purchases.
  • 0% Intro APR for 12 months from the date of account opening on purchases eligible for Pay Over Time
  • Get up to $400 back per year toward U.S. purchases with Dell Technologies, up to $360 back per year for purchases with Indeed, and $120 back per year for wireless telephone service purchases on the Business Platinum Card, plus additional credits. Enrollment is required for all.
  • Access to more than 1,400 lounges across 140 countries and counting with the American Express Global Lounge Collection®
  • Use Membership Rewards® Pay with Points for all or part of an eligible fare and get 35% of those points back, up to 500,000 points back per calendar year
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.49% - 22.49% Pay Over Time
$695
Excellent

Business Platinum Card® from American Express usually offers at least 75,000 points — and frequently offers a 100,000-point signup bonus — which comes with the same Membership Rewards® points as its consumer counterpart.

Assuming you transfer those rewards to a hotel or airline partner to reach the average TPG value, you’re looking at around $1,900 in value for a 100,000-point bonus.

Cash back redemptions for statement credits will only earn 0.6¢ per point, so avoid that option when possible. Additionally, shopping with your Membership Rewards® is rarely a good value, as you’ll only receive 0.5¢ per point in the shopping portal, and 0.7¢ per point when you use your points on Amazon.

The signup bonus for Business Platinum Card® from American Express is generally tiered, with half the bonus earned when you reach the first spending requirement, and the second half of the bonus earned by reaching the second spending tier.

As with Amex consumer credit cards, signup bonuses for American Express business credit cards can only be earned once per product per lifetime.

Best Credit Cards with $500+ Signup Bonuses

While the credit cards with the highest signup bonuses certainly have more to recommend them than their bonuses, they also tend to come with big annual fees that simply may not be worthwhile to the average cardholder.

But, just because you wish to avoid big annual fees doesn’t mean you have to deal with a sub-par signup bonus. Many great credit cards come with lower annual fees and still offer respectable signup bonuses valued at $500 or more.

Consumer | Business

Consumer Credit Cards with $500+ Signup Bonuses

Consumer credit cards with $500+ signup bonuses will generally have moderate spending requirements, with most coming in between $3,000 and $4,000. You should also expect to pay an annual fee around $95, though some may waive the fee the first year.

As with the highest-value signup bonuses, most of the $500+ bonuses will come in the form of points, rather than cash back. Additionally, the best per-point value can be obtained by redeeming your rewards for travel.

BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.74% - 23.74% Variable
$95
Good/Excellent

The Chase Sapphire Preferred® Card is the little sibling of the more expensive Chase Sapphire Reserve®, charging a smaller annual fee and offering fewer points per dollar spent.

However, while the Preferred may earn fewer purchase rewards per dollar, it earns a larger signup bonus than its sibling, netting new cardholders who reach the spending requirement some serious Ultimate Rewards® points.

Chase Sapphire Preferred® Card cardholders only receive a 25% travel redemption bonus (compared to the Chase Sapphire Reserve®‘s 50% bonus) when redeemed through the Chase travel portal.

However, those points can still reach the same 2.1¢-per-point TPG valuation through smart transfers, giving you the potential for over $1,000 in value.

CITI® RATING
★★★★★
4.8
OVERALL RATING
  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 25.49% (Variable)
$95
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

The signup bonus for the Citi Premier® Card pays in ThankYou® Points that have a range of potential values depending on how you redeem them. Redeemable options include cash back, gift cards, and pay-with-points redemptions. For complete details about redemption rates, please be sure to review your card’s benefits guide for terms and conditions.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 24.24% (Variable)
$95
Excellent, Good

If all the talk of transfer partners and maximizing your points makes your head spin — or your eyes roll — you’re not alone. Consumers who are uninterested in the points and miles game can skip the confusion with a Capital One Venture Rewards Credit Card.

The miles you earn with a Capital One Venture Rewards Credit Card can have a single, flat-rate value, offering 1¢ per mile when you redeem for a statement credit to cover travel-related expenses.

So, a typical 60,000-mile signup bonus you can earn for reaching the moderate spending requirement for the Capital One Venture Rewards Credit Card will net you $600 in travel-related value. (You can also redeem miles for cash back, but, well, don’t — you’ll only get 0.5¢ per point.)

Or, if you’d rather have frequent flyer miles, cardholders have the option to transfer miles to a qualifying frequent flyer account. Transfer ratios vary from 2:1.5 to 2:1, depending on the frequent flyer program.

Discover it® Cash Back Review

at Discover Card'ssecure website

BEST OVERALL RATING
★★★★★
4.9
OVERALL RATING
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • NEW Intro APR: Get a 0% intro APR for 15 months on purchases. Then 12.74% to 23.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
12.74% - 23.74% Variable APR
$0
Excellent/Good/Average

The Discover it® Cash Back has a unique “signup” bonus that doesn’t actually kick in until a year after you open your account. But then it kicks in big — and the more you used your card that year, the bigger it gets.

What’s more, Discover also flaunts friendly introductory terms and some of the best customer service in the industry.

Business Credit Cards with $500+ Signup Bonuses

You’ll have a few options for business credit cards with signup bonuses worth $500 or more, with both cash back and miles cards in the mix. Most will provide straightforward cash back rewards, but some will have methods for boosting the value of the signup bonus, as well.

BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
13.99% - 19.99% Variable
$0
Good/Excellent

As a cash back card, the Ink Business Cash® Credit Card‘s signup bonus is a straightforward reward that provides cash back as a statement credit when you reach the modest spending requirement.

That being said, if you happen to also own a Chase credit card that earns Ultimate Rewards®, you can squeeze a lot more value out of that bonus. That’s because you’ll unlock the ability to turn that cash back bonus into Ultimate Rewards® points at a rate of one point per 1¢, which can be worth even more when redeemed for travel.

BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
13.99% - 19.99% Variable
$0
Good/Excellent

The latest addition to the Chase business credit card family, the Ink Business Unlimited® Credit Card currently comes with the same cash back signup bonus as its sibling, the Ink Business Cash® Credit Card.

And, like its sibling, the Ink Business Unlimited® Credit Card can be paired with an Ultimate Rewards® earning card to turn that cash back bonus into significant travel value.

BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
4.6/5.0
  • Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
$150
Excellent, Good

The Capital One Spark Cash Plus is the most straightforward rewards card from the straightforward-rewards bank. The card’s cash back signup bonus is tiered based on spending over six months and delivered in the form of a statement credit.

BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
4.7/5.0
  • Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
  • No annual fee
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Rewards won't expire for the life of the account
  • Redeem your cash back rewards for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
13.49% - 19.49% (Variable)
$0
Excellent

The Capital One Spark Cash Select – $500 Cash Bonus has the same straightforward cash back redemption for its signup bonus as its sibling card, albeit with a smaller per dollar rewards percentage. This card, however, has no annual fee.

BEST OVERALL RATING
★★★★★
4.7
OVERALL RATING
4.7/5.0
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
21.24% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

In many ways, the Capital One Spark Miles for Business is essentially the business version of the bank’s consumer travel rewards card, the Capital One Venture Rewards Credit Card, though its signup bonus offers tiered earnings that can get much higher than the consumer card.

Best Credit Cards with $200+ Signup Bonuses

While the largest signup bonuses typically come as points or miles and require specific redemptions to reach their peak value, most of the smaller signup bonuses are of a simpler nature, mostly offered in the form of straight cash back.

In addition to being more straightforward to redeem, the smaller signup bonuses also have spending requirements that are significantly easier to attain, with most requiring $1,000 or less to earn a still-respectable bonus.

Consumer | Business

Consumer Credit Cards with $200+ Signup Bonuses

Most consumer credit cards with signup bonuses in the $200 range are not only cash back cards, but most will even come without an annual fee (but not all). You’ll find a mix of flat-rate unlimited cash back cards, as well as some that offer bonus categories.

EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 15.24%-25.24% variable APR after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.24% - 25.24% (Variable)
$0
Excellent, Good

As is common of many signup bonuses from cash back cards, the Capital One Quicksilver Cash Rewards Credit Card bonus can be simply redeemed for a statement credit for face value, among other options. You’ll also receive 0% introductory terms to help you finance a big purchase and meet your signup bonus spending requirement.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.24% - 25.24% (Variable)
$0
Excellent, Good

The Capital One VentureOne Rewards Credit Card is the little sibling of the Capital One Venture Rewards Credit Card.

The Capital One VentureOne Rewards Credit Card doesn’t have the annual fee that its big sibling charges, and the card’s signup bonus is easier to obtain with a much lower spending requirement.

Bank of America® Travel Rewards Credit Card Review

at Bank Of America'ssecure website

EXPERT'S RATING
★★★★★
4.7
OVERALL RATING
  • Earn 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel purchases
  • Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time, and no expiration on points
  • Enjoy no annual fee and no foreign transaction fees while earning points to use for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Introductory 0% APR offer on purchases, then a variable APR applies
  • Preferred Rewards members earn 25%-75% more points on every purchase. That means you could earn up to 2.62 points for every $1 you spend, everywhere, every time.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% APR for 15 billing cycles
N/A
13.99% - 23.99% Variable
$0
Excellent/Good

One of the few points rewards cards with a lower-value bonus, the Bank of America® Travel Rewards Credit Card offers bonus points for meeting the spending requirement within the first 90 days of account opening. Look out for special online signup bonus offers worth an extra 5,000 points.

Those points can be redeemed for a statement credit good toward a range of travel-related expenses, including flights, hotels, rental cars, and baggage fees.

Blue Cash Preferred® Card Review

at the issuer'ssecure website

CATEGORY RATING
★★★★★
4.8
OVERALL RATING
  • Earn $350 back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $350 back in the form of a statement credit.
  • Earn 6% cash back at U.S. supermarkets on up to $6,000 per year on purchases (then 1%). Also earn 6% cash back on select U.S. streaming subscriptions.
  • Earn 3% cash back on transit, including U.S. gas stations, taxis/rideshare, parking, tolls, trains, buses, and more. All other purchases earn 1% cash back.
  • $120 Equinox Credit - Use your Blue Cash Preferred Card to pay for Equinox+ at equinoxplus.com and receive $10 in monthly statement credits. Enrollment required.
  • 0% intro APR for 12 months from the date of account opening, then a variable APR applies
  • $0 intro annual fee, $95 annual fee thereafter
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
14.24% - 24.24% Variable
$0 intro; $95 thereafter
Excellent Credit

The signup bonus for the Blue Cash Preferred® Card seems to depend on the specific offer, with most applicants seeing a $200 or $250 cash back rewards signup bonus.

Whichever signup bonus offer you receive, meeting the spending requirement within the first three months can net you enough to cover the card’s annual fee for the first two years. As an Amex card, you’ll only get one signup bonus for this card, ever, so make it count.

Business Credit Cards with $200+ Signup Bonuses

As is the trend with business credit cards, the spending requirements for even these smaller signup bonuses will typically be larger than those required by consumer cards. But, given that the average business spends more in a month than the typical consumer, they’re likely to be of similar attainability.

Blue Business Cash™ Card Review

at the issuer'ssecure website

BUSINESS CARD RATING
★★★★★
4.6
OVERALL RATING
  • Earn a $250 statement credit after you spend $3,000 in qualifying purchases on your card within the first 3 months of Card Membership.
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • Buy above your credit limit with Expanded Buying Power. Make business purchases over your credit limit with no penalty or enrollments, and still earn cash back on those purchases. Terms apply.
  • 0% introductory APR on purchases for 12 months from the date of account opening, then a variable APR applies
  • Get an approval decision in as little as 30 seconds
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
13.49% - 21.49% Variable
$0
Good/Excellent

The Blue Business Cash™ Card provides cash back bonuses twice — once after you meet the spending requirement within the first six months, and again if you spend $10,000 or more in the first year of card membership.

Business Advantage Customized Cash Rewards credit card Review

at the issuer'ssecure website

BUSINESS CARD RATING
★★★★★
4.6
OVERALL RATING
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
  • Earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services and 2% cash back on dining on the first $50,000 in combined choice category/dining purchases each year, 1% thereafter
  • Earn unlimited 1% cash back on all other purchases
  • Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you'll earn 5.25% on your selected choice category, 3.5% on dining, and unlimited 1.75% cash back on all other purchases.
  • 0% on purchases for 9 billing cycles from account opening, then a variable APR applies
  • $0 Annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 billing cycles
N/A
12.49% to 22.49% Variable
$0
Good

The Business Advantage Customized Cash Rewards credit card has one of the smallest spending requirements of any business credit card to achieve its modest signup bonus.

Cash back rewards can be redeemed for a statement credit or as a deposit into a qualifying Bank of America small business checking or savings account. You must have at least $25 in rewards to redeem.

Earn Huge Rewards as a New Cardholder

Whether you’re an experienced credit card churner looking to maximize your rewards or an everyday consumer simply trying to make the most of a new card, there are dozens of solid options available for earning a nice signup bonus regardless of your budget and spending habits.

At the same time, it’s important to understand the potential perils of chasing signup bonuses. For example, you never want to charge more than you can afford to repay just to get a signup bonus; interest fees can add up very quickly when you carry a balance, which can eat into your earnings — or even surpass them.

Furthermore, make sure you go for signup bonuses you can actually redeem for the best value. If you rarely travel, for instance, then some of the biggest signup bonuses may not actually hold more value than smaller cash back bonuses. You should also keep an eye on other potential costs, like annual fees, that can offset your bonus.

Finally, keep in mind that only new purchases will count toward you signup bonus. Other transaction types, such as balance transfers and cash advances, won’t earn purchase rewards or count toward the minimum spending requirements for signup bonuses. (Plus, they often start accruing interest right away and come with extra fees, so do your research before making these types of transactions.)

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